BlastPoint's Credit Union Scorecard
PROFED
Charter #17012 · IN
PROFED has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 27.7% in tier
- + ROA 0.46% above tier average
- + Net Interest Margin 0.19% above tier average
- + Net Charge-Off Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.0% in tier
- - Credit Risk Growth: Bottom 38.8% in tier
- - Indirect Auto Dependency: Bottom 45.6% in tier
- - Membership Headwinds: Bottom 68.8% in tier
- - Stagnation Risk: Bottom 68.8% in tier
- - Total Assets: Bottom 4.5% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits +4.2% year over year ($657M in shares and deposits).
- Membership: 65,160 members, -1.4% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 1.31%.
- Efficiency ratio 73.94% vs a 74.54% peer average.
- Loan-to-share ratio 81.33% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65,160
-1.4% YoY+0.9% QoQ
|
+12.7K |
52,482
+1.3% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$763.5M
+4.7% YoY-2.2% QoQ
|
$-100.5M |
$863.9M
+0.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.6% in tier |
| Loans |
$534.5M
+5.4% YoY+2.2% QoQ
|
$-73.3M |
$607.8M
+2.1% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$657.2M
+4.2% YoY-2.3% QoQ
|
$-82.7M |
$739.9M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.5% in tier |
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| ROA |
1.3%
+6.3% YoY+8.1% QoQ
|
+0.5% |
0.8%
+30.4% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.7%
+4.5% YoY+3.3% QoQ
|
+0.2% |
3.5%
+6.2% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
73.9%
-2.4% YoY-2.3% QoQ
|
-0.6% |
74.5%
-1.4% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.5%
+76.6% YoY+170.1% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
81.3%
+1.1% YoY+4.6% QoQ
|
-1.3% |
82.6%
+1.9% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$18,288
+6.3% YoY-1.3% QoQ
|
$-10K |
$28,702
+0.4% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.3% in tier |
| CD Concentration |
19.6%
-7.5% YoY-2.3% QoQ
|
-4.9% | 24.6% | 19.4% | 20.0% | 32% |
| Indirect Auto % |
17.3%
-3.4% YoY-0.5% QoQ
|
+3.7% | 13.6% | 11.1% | 7.7% | 67% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)